Buying a car is an exciting milestone, but the process can also feel exhausting, especially if it’s your first time. Being prepared with the right documents will make your dealership visit a lot smoother! So what should you bring to buy a car?
Essential Documents to Bring When Buying a Car
| Document | Purpose |
|---|---|
| Valid driver’s license | Proves your identity and driving eligibility |
| Proof of insurance | Required to drive off the lot in most states |
| Payment method | Cash, check, or financing pre-approval letter |
| Pay stubs | Verify income if financing |
| Tax returns | Further income verification for financing |
| Bank statements | Demonstrate savings for down payment if financing |
| Student/military ID | Qualify for discounts |
| Title | Proves ownership for trade-in |
| Registration | Trade-in documentation |
| Maintenance records | Supports trade-in value |
| Loan payoff amount | Settles remaining balance on trade-in |
Driver’s License
This is a no-brainer, but don’t leave home without your valid driver’s license. The dealer will need to verify your identity and driving eligibility before they can let you take a test drive or drive off the lot. Make sure it’s not expired!
Double check that the address on your license matches your current residence. If not, bring proof of your new address like a current utility bill.
Proof of Insurance
You’ll need current proof of insurance to finalize the sale, since insurance is required to drive in most states. Call your provider ahead of time to add the new vehicle to your policy. If you’re a new driver without prior insurance, you can purchase a policy at the dealership.
Payment for the Car
Determine your payment method beforehand – whether cash, check, or financing. If financing, get pre-approved through your bank so you know what terms you qualify for. Bring the pre-approval letter to use as leverage when negotiating your interest rate.
Have your down payment ready as a check or cash. Most lenders require 10-20% down to get the best rates.
Income Verification
If financing, the lender may ask for recent pay stubs, tax returns, or bank statements to confirm your income.
ID for Discounts
Bring any documentation needed to qualify for discounts – like a student, military, or affinity program ID. Ask ahead of time what discounts the dealer offers.
Trade-In Paperwork
To trade in your current car, bring the title, registration, maintenance records, and loan payoff amount if still financed. This smooths the trade-in process.
Arriving prepared with all the right documents sets you up for a stress-free, efficient car buying experience. Test drive with confidence knowing you have everything you need to drive off the lot in your new set of wheels that same day!
Financing Documents
- Pre-approval letter
- Pay stubs
- Tax returns
- Bank statements
Discounts and Trade-In
- Student ID
- Military ID
- Current registration
- Title
- Maintenance records
- Loan payoff amount
Summary
Being organized with all your paperwork helps the car buying process go faster. Review the dealer’s website or call ahead to ask what documents they require. With the right preparation, you’ll be handing over the keys to your new ride in no time!
